First time buyers can find today's mortgage market somewhat daunting, and, all too often, downright confusing.

Banks and building societies now offer a much wider range of mortgages for first time buyers, so it's important to get the best deal.

Quite often the biggest issue facing first time buyers is whether or not they will be able to borrow enough to purchase the property they want. 

Traditionally, lenders were quite rigid about the amount they would lend. If you were borrowing on your own, you'd receive three times your income and if you were buying as a couple, you'd receive two and a half times your joint income. However, these days lenders are far more flexible and you could go four or five times your income.

The perennial barrier for first time buyers to the property market is often saving up for a deposit.  One option is a 100% mortgage which can give the first time buyer the step on to the housing ladder that they need. But of course, it is crucial that these deals are handled carefully and are lender to the right type of borrower, who can comfortably afford the repayments.  

A whole of the market advisor can suggest the best mortgages for you,  cutting through all the marketing jargon to explain in straightforward terms what your options are.